SMEs are invaluable to any economy. They function as a strong catalyst for the economic growth and prosperity of developing and developed countries alike – as they are a major source of income and employment.For instance, here in Ghana, SMEs provide about 85% of employment in the manufacturing sector and were noted to contribute about 75% to the country’s GDP until the commencement of the country’s oil production.It is however unfortunate that SME’s are still enormously challenged by myriad factors and so are not able to perform as they should – with one of the main challenges being access to finance – which this piece attempts to examine.